WallStSmart

Crawford & Company (CRD-B)vsMarsh & McLennan Companies, Inc. (MRSH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies, Inc. generates 2078% more annual revenue ($27.52B vs $1.26B). MRSH leads profitability with a 14.3% profit margin vs 1.4%. CRD-B appears more attractively valued with a PEG of 0.90. MRSH earns a higher WallStSmart Score of 58/100 (C).

CRD-B

Hold

45

out of 100

Grade: D

Growth: 2.7Profit: 5.0Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: 2.62

MRSH

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 7.5Value: 5.0Quality: 6.5
Piotroski: 4/9Altman Z: 1.74

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRD-B2 strengths · Avg: 8.0/10
PEG RatioValuation
0.908/10

Growing faster than its price suggests

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

MRSH3 strengths · Avg: 8.7/10
Market CapQuality
$79.75B9/10

Large-cap with strong market position

Return on EquityProfitability
26.9%9/10

Every $100 of equity generates 27 in profit

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

Areas to Watch

CRD-B4 concerns · Avg: 3.3/10
P/E RatioValuation
28.7x4/10

Moderate valuation

Market CapQuality
$503.98M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.4%3/10

1.4% margin — thin

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

MRSH4 concerns · Avg: 3.3/10
PEG RatioValuation
1.624/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.744/10

Distress zone — elevated risk

Debt/EquityHealth
1.543/10

Elevated debt levels

EPS GrowthGrowth
-15.4%2/10

Earnings declined 15.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : CRD-B

The strongest argument for CRD-B centers on PEG Ratio, Price/Book. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : MRSH

The strongest argument for MRSH centers on Market Cap, Return on Equity, Operating Margin.

Bear Case : CRD-B

The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Debt-to-equity of 1.54 is elevated, increasing financial risk. Thin 1.4% margins leave little buffer for downturns.

Bear Case : MRSH

The primary concerns for MRSH are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 1.54 is elevated, increasing financial risk.

Key Dynamics to Monitor

MRSH carries more volatility with a beta of 0.61 — expect wider price swings.

MRSH is growing revenue faster at 7.6% — sustainability is the question.

CRD-B generates stronger free cash flow (-5M), providing more financial flexibility.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MRSH scores higher overall (58/100 vs 45/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Crawford & Company

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Crawford & Company provides outsourcing and claims management solutions for carriers, brokers, and corporations in the United States, United Kingdom, Europe, Canada, Australia, and internationally. The company is headquartered in Atlanta, Georgia.

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Marsh & McLennan Companies, Inc.

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh & McLennan Companies, Inc., a professional services company, provides advisory services and insurance solutions to clients in the areas of risk, strategy, and people globally. The company is headquartered in New York, New York.

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